Beginning Balance: $38.48 Income: +$2,407.96 salary Expenses/Payments: Debt/Savings: -$700 debt -$100 Roth IRA -$25 car repair -$100 emergency fund Bills: -$660 rent -$85 cell phone & internet -$23 car insurance Christmas Gifts: -$10.59 dvd -$10.59 dvd -$50 gift -$23.29 wrapping paper, etc. Other Expenses: -$17.25 gasoline -$53.28 clothing – bra & gym pants (both semi-necessities)